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SAFE & SOUND® STAR RATINGS

BAILEYVILLE STATE BANK

611 NORTH 2ND
SENECA, Kansas 66538

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 998750




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$42,854$41,406$40,184
Loans Receivable, Net24,45323,53721,630
Mortgage-Backed Securities3,6505,4355,001
Investments9,24510,60011,492
Deposits37,58834,39332,439
Borrowings1,1903,1524,488
Equity3,8683,6913,194
Net Interest Income1,2911,2391,152
Fee Income455656
Overhead1,0101,1021,045
Net Operating Income230291150
Net Income191231144
Ratio Analysis Profitability%%%
Return on Assets *0.460.570.37
Operating Return on Assets *0.560.720.39
Return on Equity *5.046.524.29
Net Interest Margin *3.223.173.09
Fee Income / Assets *0.110.140.14
Overhead / Assets *2.452.732.69
Efficiency Ratio74.4880.7985.87
Asset Quality%%%
Nonperforming Assets / Assets0.320.201.09
Nonperforming Assets / Equity & Loss Reserves3.312.1112.81
Loss Reserves / Nonperforming Loans279.80627.50383.05
1-4 Fam Mtg + MBS / Assets21.4227.8525.65
Commercial Real Estate Loans / Assets3.442.152.00
Construction Loans / Assets1.681.294.35
Commercial & Industrial Loans / Assets8.288.8910.03
Consumer Loans / Assets2.232.202.15
Capitalization%%%
Equity / Assets9.038.917.95
Tangible Capital / Tangible Assets9.038.917.95
Risk-based Capital Ratio16.0216.1115.16
Liquidity%%%
Loans / Deposits65.0668.4466.68
Non-Interest Bearing Deposits / Deposits21.6612.1012.34
Purchased Liabilities3.908.5112.42

* Calculations are based on the latest four quarters of income and expense.
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